The short answer
Registered charities often qualify for reduced non-profit interchange categories that generic providers never apply for. Adding a donor-covers-the-fee checkbox recovers most remaining cost — roughly 60% of donors opt in when simply asked.
Protect recurring donors
Monthly donors are the backbone of most charities, and expired cards silently remove them. Account updater and dunning are worth more here than a rate negotiation.
Event and text-to-give
Galas, runs and campaigns need mobile-first giving with minimal friction. Every extra field costs donations, and the drop-off is steepest on mobile.
Key takeaways
- Apply for non-profit interchange categories explicitly
- Fee-covering opt-ins recover most processing cost
- Account updater protects monthly giving
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